Refinancing Program Example - 30 Year Fixed Jumbo Refinance - February 4, 2007

Getsmart - This firm offers you quotes for a Refinance. It is a service of Lending Tree. You should be able to learn more about your loan options.

 

Mortgage Profile

This mortgage example takes place on February 4, 2007.

The mortgage applicant's name is Willie.

This borrower wants to get a refinance on the property.


Property Summary

This property would be identified as a single family residence.

The property is in Dallas, Texas.

This property would be described as a rental property.


The Loan Type

This borrower's loan term in years is 30.

The current credit middle score is 720.

The documentation level for this mortgage will be full documentation.


Today's current mortgage rates

The mortgage rate for this new loan will be 6.38%.

The mortgage's annual percentage rate is 6.47%.


Loan Size

The appraisal value of the property is $381,250.

The property has a current mortgage of $244,000.

The cash out from this refinance is approximately $61,000.

The new loan will be for $305,000.

The loan to value ratio on the property is 80%.


Calculated Mortgage Payment

Each month the mortgage payment will be $1,903.

If this were an interest only loan the monthly payment would be $1,620.

This is less than a regular monthly payment by $282. 


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